US11887122B2 - Payment methods and systems based on wireless communication and biometric features - Google Patents
Payment methods and systems based on wireless communication and biometric features Download PDFInfo
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- US11887122B2 US11887122B2 US17/362,584 US202117362584A US11887122B2 US 11887122 B2 US11887122 B2 US 11887122B2 US 202117362584 A US202117362584 A US 202117362584A US 11887122 B2 US11887122 B2 US 11887122B2
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Definitions
- the present specification relates to the field of Internet technologies, and in particular, to payment methods and systems based on wireless communication and biometric features.
- Payment methods and systems based on wireless communication and biometric features provided in the present specification can provide a more convenient method for paying fees.
- the present specification provides a payment method based on wireless communication and biometric features, applied to a payment collection system and including the following: At least one wireless communications device that enters a wireless communication range of the payment collection system is recognized, and a short-range wireless communication connection is made to the at least one wireless communications device; at least one account associated with the at least one wireless communications device and a biometric feature associated with the at least one account are obtained from a payment platform, where the at least one wireless communications device is in a one-to-one correspondence with the at least one account, the payment platform stores multiple accounts and a wireless communications device and a biometric feature associated with each of the multiple accounts, and the multiple accounts include the at least one account; a target biometric feature of a target user is collected, the target biometric feature is matched with the biometric feature associated with the at least one account, and a target account corresponding to the target user is determined from the at least one account, where a biometric feature associated with the target account matches the target biometric feature; and the payment platform is instructed to
- the short-range wireless communication includes near filed communication (NFC), and the wireless communications device includes an NFC device.
- NFC near filed communication
- the biometric feature includes at least one of a palmprint feature and a facial feature.
- the biometric feature includes at least one of a facial feature, a palmprint feature, an iris feature, a scleral feature, a fingerprint feature, a voiceprint feature, and a bone feature.
- the payment collection system includes a payment collection system of a public transport system.
- the recognizing at least one wireless communications device that enters a wireless communication range of the payment collection system includes: establishing a short-range wireless communication connection to the at least one wireless communications device that enters the wireless communication range of the payment collection system; and obtaining a device identifier of the at least one wireless communications device based on the short-range wireless communication connection.
- the obtaining a device identifier of the at least one wireless communications device includes: obtaining a device identifier ciphertext of the at least one wireless communications device, where the device identifier ciphertext is obtained through encryption based on a predetermined encryption rule; and decrypting the device identifier ciphertext based on a decryption rule corresponding to the predetermined encryption rule, to obtain the device identifier of the at least one wireless communications device.
- the obtaining at least one account associated with the at least one wireless communications device and a biometric feature associated with the at least one account from a payment platform includes: sending a biometric feature acquisition request to the payment platform, where the biometric feature acquisition request includes the device identifier of the at least one wireless communications device; and receiving the at least one account and the biometric feature associated with the at least one account that are sent by the payment platform.
- the instructing the payment platform to perform a deduction operation on the target account includes: sending a deduction operation request for the target account to the payment platform, where the deduction operation request includes a deduction fee; and receiving the deduction fee transferred by the payment platform from the target account.
- the deduction operation request further includes the target biometric feature.
- a payment protocol is created between the payment collection system and the payment platform in advance.
- the present specification provides a payment system based on wireless communication and biometric features, including a payment collection system that includes: at least one storage medium, where the at least one storage medium stores at least one instruction set for payment based on wireless communication and biometric features; and at least one processor that is communicatively connected to the at least one storage medium, where when the payment system based on wireless communication and biometric features runs, the at least one processor reads the at least one instruction set and implements the payment method based on wireless communication and biometric features according to the first aspect of the present specification.
- the payment collection system includes: a payment collection end-user device, including a wireless communications module, configured to establish a short-range wireless communication connection to at least one wireless communications device within a wireless communication range; and a payment collection server, communicatively connected to the payment collection end-user device and configured to perform data transmission with a payment platform.
- the payment collection end-user device further includes a collection device, configured to collect a target biometric feature.
- the present specification provides a payment method based on wireless communication and biometric features, applied to a payment platform, where the payment platform stores multiple accounts and a wireless communications device and a biometric feature associated with each of the multiple accounts, and the method includes the following: A biometric feature acquisition request sent by a payment collection system is received, where the biometric feature acquisition request includes a device identifier of at least one wireless communications device, and the at least one wireless communications device falls within a wireless communication range of the payment collection system and has a short-range wireless communication connection to the payment collection system; at least one account associated with the at least one wireless communications device and a biometric feature associated with the at least one account are determined based on the device identifier of the at least one wireless communications device, where the multiple accounts include the at least one account; the at least one account and the biometric feature associated with the at least one account are sent to the payment collection system; a deduction operation request sent by the payment collection system for a target account corresponding to a target user is received, where the at least one account includes the
- the deduction operation request further includes the target biometric feature of the target user; and the transferring the deduction fee from the target account to the payment collection system includes: matching the target biometric feature with the biometric feature associated with the target account to determine that the target biometric feature matches the biometric feature associated with the target account; and transferring the deduction fee from the target account to the payment collection system.
- the wireless communications device includes an NFC device.
- the biometric feature includes at least one of a palmprint feature and a facial feature.
- the biometric feature includes at least one of a facial feature, a palmprint feature, an iris feature, a scleral feature, a fingerprint feature, a voiceprint feature, and a bone feature.
- the payment collection system includes a payment collection system of a public transport system.
- a payment protocol is created between the payment collection system and the payment platform in advance.
- the present specification provides a payment system based on wireless communication and biometric features, including a payment system that includes: at least one storage medium, where the at least one storage medium stores at least one instruction set for payment based on wireless communication and biometric features; and at least one processor that is communicatively connected to the at least one storage medium, where when the payment system based on wireless communication and biometric features runs, the at least one processor reads the at least one instruction set and implements the payment method based on wireless communication and biometric features according to the third aspect of the present specification.
- a payment (electronic wallet) account is associated with a wireless communications device of a user and a biometric feature of the user, and a wireless communications module is disposed on a device of a payment collection system.
- the wireless communications module of the payment collection system establishes a short-range wireless communication connection to the wireless communications device of the user, and obtains a device identifier of the wireless communications device of the user.
- the payment collection system can obtain a biometric feature associated with the wireless communications device from a payment platform (electronic wallet server) based on the device identifier of the wireless communications device, and match a collected target biometric feature of the target user with the biometric feature obtained from the payment platform so as to quickly determine a target account corresponding to the target user, and deduct a fee from the target account.
- a payment platform electronic wallet server
- the biometric feature associated with the wireless communications device within the wireless communication range of the payment collection system can be obtained based on the wireless communications device, and only the target biometric feature of the target user and the biometric feature within the wireless communication range need to be matched and authenticated so that the target account corresponding to the target user can be quickly recognized without matching the target biometric feature of the target user with all biometric features on the payment platform.
- the base of biometric feature recognition is narrowed from all the biometric features on the payment platform to the biometric feature associated with the wireless communications device detected in the wireless communication range of the payment collection system, which can significantly improve the biometric feature recognition efficiency, reduce a processing delay for matching when the user performs biometric feature recognition, and improve the speed of the user for paying the fee.
- FIG. 1 is a schematic diagram illustrating an example of a payment system based on wireless communication and biometric features, according to one or more embodiments of the present specification
- FIG. 2 is a schematic hardware diagram illustrating an example of a payment platform, according to one or more embodiments of the present specification
- FIG. 3 A is a schematic hardware diagram illustrating an example of a payment collection system, according to one or more embodiments of the present specification
- FIG. 3 B is a schematic structural diagram illustrating an example of a payment collection system, according to one or more embodiments of the present specification
- FIG. 4 is a flowchart illustrating an example of a payment method based on wireless communication and biometric features, according to one or more embodiments of the present specification
- FIG. 5 is a schematic diagram illustrating an example of a system for associating a wireless communications device with a biometric feature, according to one or more embodiments of the present specification.
- FIG. 6 is a flowchart illustrating an example of a method for associating a wireless communications device with a biometric feature, according to one or more embodiments of the present specification.
- NFC Near field communication
- RFID contactless radio frequency identification
- mobile payment can include QR code payment and biometric feature recognition-based payment.
- a payment collection device obtains account information of a user by scanning a QR code on a mobile device of the user so that a payment operation is performed.
- a biometric feature collection device is disposed on a payment collection device, and a biometric feature of a user is collected and matched in the cloud so as to determine account information of the user and perform a payment operation.
- common biometric feature recognition technologies can include a facial recognition technology, a fingerprint recognition technology, and a palmprint recognition technology. QR code payment is highly dependent on mobile devices, and therefore, is less convenient than biometric feature recognition-based payment.
- a payment platform needs to match a collected biometric feature of a user with all biometric feature samples stored in the cloud to determine an account of the user, which needs a large matching calculation amount and is time-consuming, and therefore, is not applicable to some quick recognition and payment scenarios.
- the public transport field e.g., on buses, subways, or light rails crowded with people.
- the user needs to quickly pay a fee or quickly pass a turnstile to avoid the traffic jam. Therefore, the needs on the payment speed are very high in the public transport field.
- a payment (electronic wallet) account is associated with a wireless communications device of a user and a biometric feature of the user.
- a payment collection system can sense all wireless communications devices within a wireless communication range in advance, and obtain biometric features associated with all the wireless communications devices within the wireless communication range from a payment platform (payment platform cloud server).
- the payment collection system only needs to match the biometric feature of the user with the biometric features obtained from the payment platform to quickly determine an account corresponding to the user without matching the biometric feature of the user with all biometric features on the payment platform, so that a sample base of biometric feature recognition is significantly narrowed, and the biometric feature recognition efficiency is improved.
- the payment methods and systems based on wireless communication and biometric features provided in the present specification can be applied to payment in the public transport field to shorten the payment time and improve the passing speed, can be applied to other payment scenarios to shorten the payment time and make payment more convenient, for example, mobile payment in shopping malls, mobile payment in supermarkets, and mobile payment on vending machines; and can also be applied to identity detection and recognition, for example, identity authentication and detection at stations in the public transport field.
- identity detection and recognition for example, identity authentication and detection at stations in the public transport field.
- the following embodiments use the public transport field as an example for detailed description.
- FIG. 1 is a schematic diagram illustrating an example of a payment system 001 based on wireless communication and biometric features (hereinafter referred to as a system 001 ).
- the system 001 can include a user 100 , a payment collection system 200 , a payment platform 300 , a wireless communications device 400 , and the Internet 500 .
- the user 100 and the payment collection system 200 can conduct a target transaction.
- the target transaction can include a service transaction.
- the service transaction can include but is not limited to taking a bus, subway, plane, or train, a catering service, and a hotel service.
- the target transaction can include a product transaction.
- Products can include tangible products and intangible products.
- the tangible products can include but are not limited to home appliances and books, and the intangible products can include but are not limited to shares and options.
- the target transaction includes that the user 100 pays a target number of virtual resources to the payment collection system 200 .
- the virtual resources can be digital currencies.
- the digital currencies can include a digital representation of entity currencies.
- the digital currencies can also include virtual digital currencies.
- the user 100 can be the payer of the target transaction, and the payment collection system 200 is the payee of the target transaction.
- the target transaction further includes that the payment collection system 200 provides a service or a product for the user 100 .
- the user 100 is the user of the service and/or the buyer of the product, and the payment collection system 200 is the provider of the service and/or the seller (i.e., the merchant) of the product.
- the user 100 can be the user of the service.
- the payment collection system 200 and the payment platform 300 can jointly provide the service for the user 100 .
- the service can include but is not limited to use of a public transport, a taxi service, entrusted payment on a mobile phone application, and credit-based payment of an unattended container.
- the public transport includes but is not limited to a subway and a bus.
- the user 100 can be a user within a wireless communication range of the payment collection system 200 .
- the user 100 can be a user who is preparing to pay by using the payment collection system 200 near the payment collection system 200 .
- the user 100 can be a user who queues to pass a turnstile of a subway, or can be a user who queues to pay on a bus.
- Each user 100 can have one wireless communications device 400 or at least one wireless communications device 400 .
- the wireless communications device can be an NFC device, a Wi-Fi device, a Bluetooth device, etc.
- the wireless communications device can communicate wirelessly with other devices with the same wireless communication protocol.
- the wireless communication can be short-range wireless communication, for example, NFC, Wi-Fi communication, or Bluetooth communication.
- the NFC device can exchange wireless data with other NFC devices based on an NFC connection.
- the Wi-Fi device can exchange wireless data with other Wi-Fi devices based on a Wi-Fi connection.
- the Bluetooth device can exchange wireless data with other Bluetooth devices based on a Bluetooth connection.
- the wireless communications device 400 can make a short-range wireless communication connection to the payment collection system 200 .
- the short-range wireless communication connection can be a short-range NFC connection, a Wi-Fi-based short-range wireless communication connection, a Bluetooth-based short-range wireless communication connection, etc.
- the wireless communication range can be adjusted based on different scenarios. For example, in a public transport system, the wireless communication range can be 1 m, 2 m, or 3 m of the wireless communications device. For example, in mobile payment, the wireless communication range can be 0.5 m of the wireless communications device. In summary, the wireless communication range can be determined or changed based on needs.
- a distance between each user 100 and a corresponding wireless communications device 400 should fall within a predetermined range.
- the wireless communications device 400 falls within the wireless communication range of the payment collection system 200
- the user 100 corresponding to the wireless communications device 400 should also fall within the wireless communication range of the payment system 200 .
- the user 100 can carry the wireless communications device 400
- the predetermined range can be 0.1 m, 0.2 m, or 0.3 m, or can be another distance.
- Each wireless communications device 400 has a unique device identifier, which can be a unique tag of the wireless communications device 400 .
- the wireless communications device is an NFC device is used for description in the present specification.
- the NFC device 400 can be a passive NFC device, or can be an active NFC device.
- the NFC device 400 can be any form of device with the NFC technology, for example, an NFC card sticker, or a mobile device with the NFC technology, such as a smartphone, a wearable smart device, or a mobile computer.
- the user 100 can carry the NFC device 400 .
- the NFC card sticker can be pasted on the device carried, for example, pasted on a mobile phone.
- Each NFC device 400 has a unique device identifier, which can be a unique tag of the NFC device 400 .
- the NFC device 400 can perform wireless data transmission with other NFC devices 400 .
- the NFC device 400 can also perform wireless data transmission with an NFC module 210 in the payment collection system 200 .
- the wireless data transmission can be encrypted wireless data transmission or unencrypted wireless data transmission.
- a target user 110 can be a user who is paying currently.
- the target user 110 can be a user who is currently paying using the NFC device 400 , or can be a user who is paying a fee on a bus currently.
- the user 100 can include the target user 110 .
- the target user 110 carries a target wireless communications device 410 .
- the wireless communications device 400 includes the target wireless communications device 410 .
- the payment platform 300 can provide a solution for the user 100 and the payment collection system 200 with respect to the payment of a fee for the target transaction.
- the payment platform 300 can be a third-party payment platform.
- the payment platform 300 can store multiple accounts and a wireless communications device 400 and a biometric feature associated with each of the multiple accounts.
- the multiple accounts include an account 310 corresponding to the user 100 .
- the account 310 stores a digital currency corresponding to the user 100 corresponding to the account 310 .
- a target account 311 corresponding to the target user 110 is also stored in the payment platform 300 .
- the payment platform 300 can also store a payment collection account 320 corresponding to the payment collection system 200 .
- a payment protocol can be created between the payment collection system 200 and the payment platform 300 in advance.
- the payment platform 300 can help the payment collection system 200 charge the user 100 through a digital resource transmission channel based on the payment protocol. For example, the payment platform 300 can extract a target number of payment fees from the account 310 corresponding to the user 100 through the digital resource transmission channel, and transfer the payment fees to the payment collection account 320 of the payment collection system 200 .
- the payment platform 300 can provide a target payment service for the target transaction for the user 100 and the payment collection system 200 as a payment intermediary of the user 100 and the payment collection system 200 .
- the target payment service can be an entrusted payment service.
- the entrusted payment service can be a password-free entrusted payment service.
- the password-free entrusted payment service can include the following: A payer authorizes a payee to send a deduction instruction to the payment platform 300 , and authorizes the payment platform 300 to deduct target money from an account of the payer to an account of the payee based on the deduction instruction without obtaining a password from the payer.
- the payment platform 300 can take out a fee for the target user 110 to enjoy a subway service from the target account 311 of the target user 110 , and pay the fee to the payment collection system 200 .
- the target account 311 can be an account of the target user 110 authorized to access the payment platform 300 .
- the target account 311 can be an account of the target user 110 partially managed by the payment system under authorization.
- the account 310 can include but is not limited to an electronic wallet, a bank card, an e-commerce bank, a financial product, and a credit card.
- the payment platform 300 can receive the deduction instruction from the payment collection system 200 and deduct a target fee from the target account 311 of the target user 110 .
- the target fee is a fee for the target user 110 to enjoy a subway service.
- the wireless communications device 400 carried by the user 100 and biometric feature data of the user 100 can be associated with the account 310 corresponding to the user 100 .
- the payment collection system 200 can quickly obtain a biometric feature associated with the wireless communications device based on a device identifier of the wireless communications device, so as to improve the speed and the accuracy of biometric feature recognition.
- the user 100 can associate the wireless communications device 400 of the user 100 and the biometric feature data of the user 100 with the corresponding account 310 by using the payment platform 300 .
- the user 100 can associate the wireless communications device 400 carried with the biometric feature data of the user 100 .
- the target wireless communications device 410 carried by the target user 110 and a target biometric feature of the target user 110 are associated with the target account 311 .
- the payment platform 300 can store account information of the account 310 corresponding to the user 100 , device information of the wireless communications device of the user 100 associated with the account 310 , the biometric feature data of the user 100 , etc.
- the biometric feature can be a palmprint feature.
- palmprint feature recognition is a low-sensitivity recognition method. For a user who is highly sensitive to privacy, palmprint feature recognition does not easily annoy the user, has more privacy, and is more easily accepted by the user.
- the biometric feature can be at least one of a facial feature and a palmprint feature.
- Both facial feature recognition and palmprint feature recognition are contactless biometric feature recognition methods, through which users only need to align the face or the palm with a camera, so that it is more convenient to use and experience is better. Therefore, the methods are applicable to more scenarios.
- contactless biometric feature recognition is more hygienic than contact biometric feature recognition. In particular, during a sensitive period such as an epidemic, the contactless biometric feature recognition method is more easily accepted by users.
- the user 100 can select the type of a biometric feature associated with the account 310 based on the user's sensitivity to privacy.
- the biometric feature can be at least one of a facial feature, a palmprint feature, an iris feature, a scleral feature, a fingerprint feature, a voiceprint feature, and a bone feature.
- biometric feature recognition can be recognition based on an iris feature, a sclera feature, a fingerprint feature, a voiceprint feature, a bone feature, etc.
- Different biometric feature recognition methods apply to different scenarios.
- the user 100 and the payment collection system 200 can select a suitable biometric feature recognition method based on different scenarios.
- the payment collection system 200 can be another system that can collect a biometric feature to perform identity recognition, for example, an identity authentication system or an identity recognition system in the public transport field. Therefore, in some embodiments, the payment collection system 200 can also be referred to as an identity recognition system 200 .
- the payment platform 300 can be another third-party system that stores identity information of the user 110 , for example, a public security system and a server that stores the identity information of the user 100 in the public transport field, or can be a server that provides the background identity information query service support for the identity recognition system 200 . Therefore, in some embodiments, the payment platform 300 can also be referred to as an identity information server 300 .
- the identity information server 300 can store any form of information related to the identity of the user 100 , for example, personal data (e.g., name, age, occupation, identity card information, and contact information), a related account, a device identifier of the associated wireless communications device 400 , and an associated biometric feature.
- the account 310 corresponding to the user 100 can be an identity such as identity card information, an email account number, a telephone number, etc. of the user 100 .
- the information related to the identity of the user 100 can be associated with the account 310 corresponding to the user 100 .
- FIG. 2 is a schematic hardware diagram illustrating an example of a payment platform 300 , according to one or more embodiments of the present specification.
- the payment platform 300 can store data or instructions for performing the payment method based on wireless communication and biometric features described in the present specification, and can execute or be configured to execute the data and/or instructions.
- the payment platform 300 can also store data or instructions for performing the method for associating a wireless communications device with a biometric feature described in the present specification, and can execute or be configured to execute the data and/or instructions.
- the payment method based on wireless communication and biometric features and the method for associating a wireless communications device with a biometric feature are described in other parts of the present specification. For example, a payment method P 100 based on wireless communication and biometric features is described in the descriptions of FIG. 4 , and a method P 200 for associating a wireless communications device with a biometric feature is described in the descriptions of FIG. 6 .
- the payment platform 300 includes at least one storage medium 330 and at least one processor 302 .
- the payment platform 300 can further include a communications port 350 and an internal communications bus 301 .
- the payment platform 300 can further include an I/O component 360 .
- the internal communications bus 301 can connect different system components, including the storage medium 330 and the processor 302 .
- the I/O component 360 supports input/output between the payment platform 300 and other components.
- the storage medium 330 can include a data storage apparatus.
- the data storage apparatus can be a non-transitory storage medium, or can be a transitory storage medium.
- the data storage apparatus can include one or more of a disk 332 , a read-only memory (ROM) 334 , and a random access memory (RAM) 336 .
- the storage medium 330 further includes at least one instruction set stored in the data storage apparatus.
- the instruction is computer program code, and the computer program code can include a program, a routine, an object, a component, a data structure, a process, a module, etc. for performing payment methods based on wireless communication and biometric features as described in the present specification.
- the communications port 350 is used for data communication between the payment platform 300 and the outside.
- the payment platform 300 can be connected to the Internet 500 through the communications port 350 .
- the at least one processor 302 is communicatively connected to the at least one storage medium 330 through the internal communications bus 301 .
- the at least one processor 302 is configured to execute the at least one instruction set.
- the at least one processor 302 reads the at least one instruction set and performs the payment method P 100 based on wireless communication and biometric features and the method P 200 for associating a wireless communications device with a biometric feature provided in the present specification based on instructions of the at least one instruction set.
- the processor 302 can perform all steps included in the payment method P 100 based on wireless communication and biometric features and the method P 200 for associating a wireless communications device with a biometric feature.
- the processor 302 can be one or more processors.
- the processor 302 can include one or more hardware processors such as a microcontroller, a microprocessor, a reduced instruction set computer (RISC), an application-specific integrated circuit (ASIC), an application-specific instruction set processor (ASIP), a central processing unit (CPU), a graphics processing unit (GPU), a physical processing unit (PPU), a microcontroller unit, a digital signal processor (DSP), a field programmable gate array (FPGA), an advanced RISC machine (ARM), a programmable logic device (PLD), any circuit or processor or the like that can perform one or more functions, etc., or any combination thereof.
- RISC reduced instruction set computer
- ASIC application-specific integrated circuit
- ASIP application-specific instruction set processor
- CPU central processing unit
- GPU graphics processing unit
- PPU physical processing unit
- DSP digital signal processor
- FPGA field programmable gate array
- ARM advanced RISC machine
- PLD programmable logic device
- the payment platform 300 in the present specification can further include multiple processors. Therefore, operations and/or method steps disclosed in the present specification can be performed by one processor or can be performed jointly by multiple processors as described in the present specification. For example, if the processor 302 of the payment platform 300 in the present specification performs step A and step B, it should be understood that step A and step B can also be performed jointly or separately by two different processors 302 (e.g., a first processor performs step A and a second processor performs step B, or a first processor and a second processor jointly perform steps A and B).
- the payment collection system 200 can store data or instructions for performing the payment method P 100 based on wireless communication and biometric features described in the present specification, and can execute or be configured to execute the data and/or instructions.
- the payment collection system 200 can be a payment collection system in the public transport field, for example, a card reader machine system on a bus or a card reader turnstile system in a subway station, or can be a payment collection system in another payment field, for example, a payment collection point of sales (POS) machine system in a shopping mall or an Internet of Things (IOT) payment machine system.
- FIG. 3 A is a schematic hardware diagram illustrating an example of a payment collection system 200 .
- the payment collection system 200 can include at least one storage medium 230 and at least one processor 220 .
- the payment collection system 200 can further include a communications port 250 and an internal communications bus 210 .
- the payment collection system 200 can further include an I/O component 260 .
- the internal communications bus 210 can connect different system components, including the storage medium 230 and the processor 220 .
- the I/O component 260 supports input/output between the payment collection system 200 and other components.
- the storage medium 230 can include a data storage apparatus.
- the data storage apparatus can be a non-transitory storage medium, or can be a transitory storage medium.
- the data storage apparatus can include one or more of a disk 232 , a ROM 234 , and a RAM 236 .
- the storage medium 230 further includes at least one instruction set stored in the data storage apparatus.
- the instruction is computer program code, and the computer program code can include a program, a routine, an object, a component, a data structure, a process, a module, etc. for performing the data reporting method provided in the present specification.
- the communications port 250 is used for data communication between the payment collection system 200 and the outside.
- the at least one processor 220 is communicatively connected to the at least one storage medium 230 through the internal communications bus 210 .
- the at least one processor 220 is configured to execute the at least one instruction set.
- the at least one processor 220 reads the at least one instruction set and performs the payment method P 100 based on wireless communication and biometric features provided in the present specification based on instructions of the at least one instruction set.
- the processor 220 can perform all steps included in the payment method P 100 based on wireless communication and biometric features.
- the processor 220 can be one or more processors.
- the processor 220 can include one or more hardware processors such as a microcontroller, a microprocessor, an RISC, an ASIC, an ASIP, a CPU, a GPU, a PPU, a microcontroller unit, a DSP, an FPGA, an ARM, a PLD, any circuit or processor or the like that can perform one or more functions, etc., or any combination thereof.
- a microcontroller such as a microcontroller, a microprocessor, an RISC, an ASIC, an ASIP, a CPU, a GPU, a PPU, a microcontroller unit, a DSP, an FPGA, an ARM, a PLD, any circuit or processor or the like that can perform one or more functions, etc., or any combination thereof.
- a microcontroller such as a microcontroller, a microprocessor, an RISC, an ASIC, an ASIP, a CPU, a GPU, a PPU, a microcontroller unit, a DSP,
- step A and step B can also be performed jointly or separately by two different processors 220 (e.g., a first processor performs step A and a second processor performs step B, or a first processor and a second processor jointly perform steps A and B).
- FIG. 3 B is a schematic structural diagram illustrating a payment collection system 200 , according to one or more embodiments of the present specification.
- the payment collection system 200 can include a payment collection end-user device 280 and a payment collection server 290 .
- the payment collection end-user device 280 and the payment collection server 290 can be two independent devices, or can be integrated into one device.
- the payment collection server 290 can be communicatively connected to the payment collection end-user device 280 .
- the communication connection refers to any form of connection capable of receiving information directly or indirectly.
- the payment collection end-user device 280 and the payment collection server 290 can establish a wireless connection to transfer data to each other through wireless communication, or the payment collection end-user device 280 and the payment collection server 290 can be directly connected to each other to transfer data through a wire.
- the payment collection end-user device 280 and the payment collection server 290 can perform wireless communication through the Internet 500 .
- the payment collection end-user device 280 can be a card reader machine on a bus, a card reader turnstile in a subway station, a payment collection POS machine in a shopping mall, an IOT payment machine, etc.
- the payment collection end-user device 280 can include a wireless communications module 282 .
- the payment collection end-user device 280 can further include a collection device 284 .
- the wireless communications module 282 can be configured to establish a short-range wireless communication connection to at least one wireless communications device 400 within a wireless communication range of the wireless communications module 282 , and perform short-range wireless communication based on the short-range wireless communication connection.
- the collection device 284 is configured to collect a biometric feature of the user 100 (including the target user 110 ).
- the wireless communications module 282 has the same communication protocol as the wireless communications device 400 .
- the wireless communications module 282 is an NFC module
- the wireless communications device 400 is an NFC device.
- the collection device 284 can be mounted on the payment collection end-user device 280 , or can be deployed on the payment collection end-user device 280 as an independent device.
- the payment collection server 290 can be a background server corresponding to the payment collection end-user device 280 , for example, a remote background server in a bus system.
- the payment collection server 290 can receive a device identifier of the wireless communications device 400 collected by the payment collection end-user device 280 , or can receive the biometric feature of the user 100 collected by the payment collection end-user device 280 .
- the payment collection server 290 can be communicatively connected to the payment platform 300 and perform data transmission with the payment platform 300 so as to implement data transmission between the payment collection end-user device 280 and the payment platform 300 .
- the Internet 500 can facilitate the exchange of information and/or data. As shown in FIG. 1 , both the payment platform 300 and the payment collection system 200 can be connected to the Internet 500 and transmit information and/or data to each other through the Internet 500 . For example, the payment collection system 200 can obtain biometric features and virtual resources from the payment platform 300 through the Internet 500 . In some embodiments, the Internet 500 can be any type of wired or wireless network or a combination thereof.
- the Internet 500 can include a cable network, a wired network, an optical fiber network, a telecommunication network, an intranet, an Internet, a local area network (LAN), a wide area network (WAN), a wireless local area network (WLAN), a metropolitan area network (MAN), a wide area network (WAN), a public switched telephone network (PSTN), a Bluetooth network, a ZigBee network, an NFC network, etc.
- the Internet 500 can include one or more network access points through which one or more components of the payment platform 300 and the payment collection system 200 can be connected to the Internet 500 to exchange data and/or information.
- FIG. 4 is a flowchart illustrating an example of a payment method P 100 based on wireless communication and biometric features.
- the payment collection system 200 and the payment platform 300 can perform the method P 100 provided in the present specification.
- the processor 220 in the payment collection system 200 can read an instruction set stored in a local storage medium of the payment collection system 200
- the processor 302 in the payment platform 300 can read an instruction set stored in a local storage medium of the payment platform 300 , and then perform the method P 100 provided in the present specification based on regulations of the instruction set.
- the method P 100 can include the following steps.
- the payment collection system 200 recognizes at least one wireless communications device 400 that enters a wireless communication range of the payment collection system 200 . Specifically, the payment collection system 200 can detect the at least one wireless communications device 400 that enters the wireless communication range by using the wireless communications module 282 , and perform short-range wireless communication with the at least one wireless communications device 400 .
- S 120 can include the following steps.
- the payment collection system 200 establishes a short-range wireless communication connection such as an NFC connection to the at least one wireless communications device 400 that enters the wireless communication range of the payment collection system 200 .
- the wireless communications module 282 of the payment collection end-user device 280 can sense other wireless communications devices in a wireless communication range.
- the wireless communications module 282 can establish a short-range wireless communication connection to the at least one wireless communications device 400 , so as to perform data transmission.
- the payment collection system 200 obtains a device identifier of the at least one wireless communications device 400 based on the short-range wireless communication connection.
- the payment collection end-user device 280 can obtain the device identifier of the at least one wireless communications device 400 based on the short-range wireless communication connection, and send the device identifier of the at least one wireless communications device 400 to the payment collection server 290 .
- the short-range wireless communication connection between the wireless communications module 282 and the at least one wireless communications device 400 can be an unencrypted communication connection or an encrypted communication connection.
- the short-range wireless communication connection can be a communication connection encrypted based on a predetermined encryption rule.
- the at least one wireless communications device 400 and the wireless communications module 282 of the payment collection end-user device 280 encrypt and decrypt data based on the same encryption rule and the same decryption rule.
- S 124 can include the following: The payment collection end-user device 280 obtains a device identifier ciphertext of the at least one wireless communications device 400 , where the device identifier ciphertext is obtained through encryption based on a predetermined encryption rule. The payment collection end-user device 280 decrypts the device identifier ciphertext based on a decryption rule corresponding to the predetermined encryption rule, to obtain the device identifier of the at least one wireless communications device 400 .
- the method P 100 can further include the following steps.
- the payment collection system 200 obtains at least one account 310 associated with the at least one wireless communications device 400 and a biometric feature associated with the at least one account 310 from the payment platform 300 .
- the multiple accounts include the at least one account 310 .
- S 140 can include the following steps.
- the payment collection system 200 sends a biometric feature acquisition request to the payment platform 300 .
- the payment collection end-user device 280 sends the device identifier of the at least one wireless communications device 400 to the payment collection server 290 , and the payment collection server 290 generates the biometric feature acquisition request, and sends the biometric feature acquisition request to the payment platform 300 .
- the biometric feature acquisition request includes the device identifier of the at least one wireless communications device 400 .
- the payment platform 300 determines, based on the device identifier of the at least one wireless communications device 400 , the at least one account 310 associated with the at least one wireless communications device 400 and the biometric feature associated with the at least one account 310 . Specifically, the payment platform 300 can match the device identifier of the at least one wireless communications device 400 with device identifiers of wireless communications devices 400 associated with all accounts stored in the local storage medium, to determine the at least one account 310 associated with the at least one wireless communications device 400 ; and determine biometric feature data associated with the at least one account 310 based on the at least one account 310 .
- the at least one wireless communications device 400 is in a one-to-one correspondence with the at least one account 310 .
- the payment platform 300 sends the at least one account 310 and the biometric feature associated with the at least one account 310 to the payment collection system 200 . Specifically, the payment platform 300 can send the biometric feature associated with the at least one account 310 to the payment collection server 290 , and the payment collection server 290 can send the biometric feature to the payment collection end-user device 280 , or may not send the biometric feature to the payment collection end-user device 280 .
- the payment collection system 200 can obtain the biometric feature data corresponding to the at least one account 310 associated with the at least one wireless communications device 400 from the payment platform 300 based on the device identifier of the at least one wireless communications device 400 within the wireless communication range.
- the payment collection system 200 can use the biometric feature data corresponding to the at least one account 310 obtained from the payment platform 300 as a sample of biometric feature recognition, so as to narrow a sample base of biometric feature recognition and improve the speed and the accuracy of recognition.
- the method P 100 can further include the following steps.
- the payment collection system 200 collects a target biometric feature of the target user 110 .
- the collection device 284 of the payment collection end-user device 280 can collect the target biometric feature of the target user 110 .
- the collection device 284 can be a camera, and can collect a palmprint image of the target user 110 , or can collect a face image of the target user 110 , or can collect an iris image, a sclera image, a bone image, etc. of the target user 110 .
- the collection device 284 can be a fingerprint collection apparatus for collecting a fingerprint of the target user 110 .
- the collection device 284 can be a voiceprint collection apparatus for collecting a voiceprint of the target user 110 .
- the payment collection end-user device 280 can send the target biometric feature of the target user 110 to the payment collection server 290 , or may not send the target biometric feature of the target user 110 to the payment collection server 290 .
- the payment collection system 200 matches the target biometric feature of the target user 110 with the biometric feature associated with the at least one account 310 , and determines the target account 311 corresponding to the target user 110 from the at least one account 310 .
- the biometric feature associated with the target account 311 matches the target biometric feature.
- S 160 can be performed on the payment collection end-user device 280 , or can be performed on the payment collection server 290 .
- the payment collection end-user device 280 can send the target biometric feature of the target user 110 to the payment collection server 290 , and the payment collection server 290 performs S 160 .
- the payment collection server 290 can send the biometric feature of the at least one account 310 to the payment collection end-user device 280 , and the payment collection end-user device 280 performs S 160 .
- S 160 is performed by the payment collection end-user device 280 .
- the payment collection system 200 can determine identity information of the target user 110 based on the target account 311 of the target user 110 , so as to perform identity authentication or identity recognition on the target user 110 .
- S 180 The payment collection system 200 instructs the payment platform 300 to perform a deduction operation on the target account 311 .
- S 180 can include the following steps.
- the payment collection system 200 sends a deduction operation request for the target account 311 to the payment platform 300 .
- the deduction operation request includes a deduction fee.
- the deduction fee can be a target fee, for example, a fee for the target user 110 to enjoy a subway service or a bus service.
- the deduction fee can be predetermined by the payment collection system 200 based on a specific rule.
- the deduction operation request can further include the biometric feature of the target user 100 , used by the payment platform 300 to perform identity authentication on the target user 110 .
- the payment platform 300 matches the target biometric feature of the target user 110 with the biometric feature associated with the target account 311 , to perform identity authentication on the target user 110 .
- the payment platform 300 determines that the target biometric feature of the target user 110 is associated with the target account 311 , in other words, the target biometric feature of the target user 110 succeeds in identity authentication, and the target user 110 is a user corresponding to the target account 311 .
- the payment platform 300 transfers the deduction fee from the target account 311 to the payment collection system 200 . Specifically, the payment platform 300 transfers the deduction fee from the target account 311 to a payment collection account 320 corresponding to the payment collection system 200 .
- the payment collection system 200 can generate feedback information of successful payment to the payment collection end-user device 280 , so as to remind the target user 110 that the payment succeeds.
- the payment collection end-user device 280 can display words “Payment succeeds”, “Pass allowed”, etc. on the screen.
- the payment collection end-user device 280 can also utter a voice to remind the target user 110 that the payment succeeds, for example, “Please get in”, “Payment succeeds”, or “Please pass”.
- the wireless communications device 400 and the biometric feature are bound to the account 310 , the wireless communications device 400 within the wireless communication range is recognized by using the payment collection system 200 , and a sample base of biometric feature recognition is narrowed from all samples on the payment platform 300 to the wireless communications device 400 within the wireless communication range, so that the speed and the accuracy of biometric feature recognition can be improved, the passing speed can be improved, and the payment time is shortened, thereby improving the efficiency and the user experience.
- FIG. 5 is a schematic diagram illustrating an example of a system 002 for associating a wireless communications device with a biometric feature (hereinafter referred to as a system 002 ), according to one or more embodiments of the present specification.
- the system 002 can include a target user 110 , a client device 800 , a payment platform 300 , and the Internet 500 .
- the target user 110 , the payment platform 300 , and the Internet 500 are consistent with those in the system 001 . Details are omitted here for simplicity.
- the client device 800 can be an intelligent electronic device of the target user 110 .
- the client device 800 can include but is not limited to a smartphone, a mobile device, a tablet, a notebook, a built-in device or similar content of a motor vehicle, etc., or any combination thereof.
- the client device 800 can include a smartphone, a personal digital assistant (PDA), a game device, a navigation device, a POS device, etc., or any combination thereof.
- the intelligent electronic device can include but is not limited to a notebook, a tablet, a smart home device, a wearable device, a virtual reality device, an augmented reality device, etc., or any combination thereof.
- the smart home device can include an intelligent lighting device, a control device of an intelligent electrical device, an intelligent handheld transceiver, etc., or any combination thereof.
- the wearable device can include a smart bracelet, a smart shoe, smart glasses, a smart helmet, a smart watch, smart clothing, a smart backpack, a smart accessory, etc., or any combination thereof.
- the virtual reality device and/or the augmented reality device can include a virtual reality helmet, virtual reality glasses, a virtual reality patch, an augmented reality helmet, augmented reality glasses, an augmented reality patch, etc., or any combination thereof.
- the virtual reality device and/or the augmented reality device can include Google glasses, Oculus Rift, Hololens, and Gear VR.
- a target APP corresponding to the payment platform 300 can be mounted on the client device 800 .
- the target APP can exchange data with the payment platform 300 through the Internet 500 .
- Hardware of the client device 800 is similar to that of the payment platform 300 , and the schematic hardware diagram of the payment platform 300 shown in FIG. 2 is also applicable to the client device 800 .
- the payment platform 300 and the client device 800 can also store data or instructions for performing the method P 200 for associating a wireless communications device with a biometric feature described in the present specification, and can execute or be configured to execute the data and/or instructions.
- FIG. 6 is a flowchart illustrating an example of a method P 200 for associating a wireless communications device with a biometric feature, according to one or more embodiments of the present specification.
- the processor 302 in the payment platform 300 can read an instruction set stored in a local storage medium of the payment platform 300
- a processor in the client device 800 can read an instruction set stored in a local storage medium of the client device 800 , and then perform the method P 200 provided in the present specification based on regulations of the instruction set.
- the method P 200 can include the following steps.
- the payment platform 300 receives an association request sent by the client device 800 for associating the target wireless communications device 410 and a target biometric feature with the target account 311 .
- the target biometric feature is a target biometric feature of the target user 110 .
- the target wireless communications device 410 can be an NFC device, a Bluetooth device, a Wi-Fi device, etc.
- the client device 800 collects the target biometric feature, and sends the target biometric feature to the payment platform 300 .
- a palmprint image, a face image, a bone image, an iris image, a sclera image, etc. of the target user 110 can be collected by using a camera of the client device 800 .
- a fingerprint feature of the target user 110 can be collected by using a fingerprint collection module of the client device 800 .
- a voiceprint feature of the target user 110 can be collected by using a voiceprint collection module of the client device 800 .
- the payment platform 300 associates the target biometric feature with the target account 311 . Specifically, after receiving the target biometric feature sent by the client device 800 , the payment platform 300 can perform calculation processing on the biometric feature, extract feature data in the biometric feature, and associate the feature data with the target account 311 .
- the client device 800 sends a device identifier of the target wireless communications device 410 to the payment platform 300 .
- the payment platform 300 sends guide information to the client device 800 to instruct the target user 110 to upload the device identifier of the target wireless communications device 410 by using the client device 800 .
- the payment platform 300 associates the device identifier of the target wireless communications device 410 with the target account 311 .
- the target wireless communications device 410 and the biometric feature can be associated with the target account 311 by using the client device 800 , so that an association relationship between the target wireless communications device 410 and the biometric feature is established to implement binding, thereby laying a foundation for performing the payment method P 100 based on wireless communication and biometric features.
- the wireless communications device 400 and the biometric feature are bound to the account 310 , the wireless communications device 400 within the wireless communication range is recognized by using the payment collection system 200 , and a sample base of biometric feature recognition is narrowed from all samples on the payment platform 300 to the wireless communications device 400 within the wireless communication range, so that the speed and the accuracy of biometric feature recognition can be improved, the passing speed can be improved, and the payment time is shortened, thereby improving the efficiency and the user experience.
Abstract
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US20220101332A1 (en) | 2022-03-31 |
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